Credit Manager-LAP-JD

About Credit Saison

Established in 2019, CS India is one of the country's fastest growing Non-Bank

Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and

tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and

fintechs. Its tech-enabled model coupled with underwriting capability facilitates

lending at scale, meeting India's huge gap for credit, especially with underserved

and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings

in India for the long-term for MSMEs, households, individuals and more. CS India

is registered with the Reserve Bank of India (RBI) and has an AAA rating from

CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a

branch network of 45 physical offices, 1.2 million active loans, an AUM of over

US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial

company with a mission to bring people, partners and technology together,

creating resilient and innovative financial solutions for positive impact. Across its

business arms of lending and corporate venture capital, Saison International is

committed to being a transformative partner in creating opportunities and enabling

the dreams of people. Based in Singapore, over 1,000 employees work across

Saison's global operations spanning Singapore, India, Indonesia, Thailand,

Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison

Company Limited, founded in 1951 and one of Japan's largest lending

conglomerates with over 70 years of history and listed on the Tokyo Stock

Exchange. The Company has evolved from a credit-card issuer to a diversified

financial services provider across payments, leasing, finance, real estate and

entertainment.

More about us on https://www.creditsaison.in

Job Description

Performing assessment duties within the defined risk philosophy of the

Company

Credit appraisal of loan applications within the defined policy guidelines and

accordingly take decision or recommend for approval to higher authorities

Ensuring due diligence in credit analysis, customer application screening,

evaluation, underwriting and sanctioning of loans

Interact with customers and co-lending partners to regularly monitor

delinquencies and early warning triggers

Work closely and collaborate with the teams of Business development,

Tech,

Product and Operations & support on offering innovative products

Working in sync with the data analytics team to proactively contribute

towards

real time calibration of credit policies

Delivering quality portfolio along within defined TAT and extending support

for

collection activities whenever required

Promoting the culture of team work within the team
Monitoring and ownership of a complete product portfolio amongst different

products/partnerships we may work with. Monthly analysis of parameters

like

customer base, industry/ segment profile , loan average ticket size and

tenure; if are within the decided norms

Keep a close eye on market and economic developments relevant for our
business and share the learnings within the team
Active participation in special projects that may be assigned from time to

Eligibility Criteria

Candidates should have 4+ years of experience in Credit with good

communication skills and digital orientation.

Qualification : graduation/ post-graduation in any field
Experience of handling secured products (Small Ticket LAP) will be an

Credit Manager ( AP & TS